When I tell people I am an insurance agent, one of the first questions I’m asked is what company do I work for?

I actually don’t work for an insurance company directly.  I’m an independent insurance agent.   I work for an agency Kirkpatrick, Jones & Herzog Insurance Agency, Inc  that has great relationships with dozens of insurance companies.


There are two main kinds of insurance agents: Captives, also called Direct Writers,  can only sell their company’s products. For example, a State Farm agent can only sell State Farm products and an Allstate agent can only sell Allstate products.  Independent insurance agents are different; they represent and sell products for multiple companies instead of just one.





Are those good companies? Are they financially secure? Do they provide good customer service? Are they going to be there for me when I have a claim? Yes, we have been around for a long time and have longstanding relationships only with companies that are financially sound and we know will help us take good care of our clients.

One of the advantages of working with an independent is that if your needs change or if a different company has a more competitive  price, you get to keep your local agent and our personalized service even though
your insurance company has changed. Our role is to work for you directly to find the best coverage for you.


How do you decide what company to place my coverage with?


We do an insurance analysis of your needs, then we look for the company which has the best coverage, the best services and the best price for you.


I love working for an independent agency because when I sit down with a client I have dozens of options for them to protect their family, themselves and their business.


Rachel Bloomberg
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